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All of us need to plan our financial futures. This can involve planning for our housing needs, protecting our families in the event of sickness, redundancy or death, and making provision for our old age. With the age that you can claim the state pension rising to 68 for those born after 1978, and further […]
Income Protection cover, as its name suggests, is designed to ensure you will continue to receive an income if you are unable to work due to illness or disability. Income protection usually pays out until retirement, death or your return to work, although short-term income protection policies, which last for one or two years, are […]
The Tenant Fees Act 2019 came into effect on June 1st this year. Since the plans were first unveiled by the chancellor Philip Hammond in the 2016 Autumn Statement, it has been a topic of conversation within the lettings industry, with some landlords expressing concerns about the financial viability of scrapping fees for tenants. The […]
If you are diagnosed with a critical illness, it can have a severe impact on your finances as you may need to take time off work for your treatment and recovery. Critical illness cover is an insurance policy that pays out if you get a serious illness, disease or disability. It pays out a lump […]
It can be difficult to pick between the different types of payment protection for your mortgage. The differences are often small but significant and which one is most suitable for you depends on what you need the payments to cover. Mortgage payment protection insurance. This is often offered along with your mortgage. It typically starts […]
2019 has brought some changes to the buy to let market. Property investors across the country are sure to be deliberating over whether it’s better to buy, sell or refinance their portfolios. With changes in tax relief and HMO (houses in multiple occupation) regulations the question “is it worth it” will be in many people’s […]
Last month we looked at some of the health concerns that insurance companies are now starting to recognise and include in their policies, where previously they would have excluded them. This month we give you a guide to the basics of insurance. What types of cover are available? Life insurance has several variations, but the […]
Predicting how interest rates will change over the long term is difficult at the best of times. When the political and economic outlook is as changeable as it is at present it is doubly so. However, we all need to be able to plan for our financial future beyond the extent of our two or […]
Since the credit crunch in 2008 and the subsequent financial crash banks have been subject to stress tests by the Government. Part of this was the Mortgage Market Review (or MMR) a comprehensive investigation of the mortgage market that came into effect in 2014. As a result, the mortgage world has toughened up. There were […]
We have talked about various aspects of insuring against accident, sickness and unemployment, most recently about new policies that support those with Diabetes. Just this week I went to an event where we were given some statistics on the different health concerns that will affect many of us at some point in our lives. I […]